hello peepz.

i am not fluent in insurance nor have i been in an accident to this degree before, so i humbly ask for opinions and experiences.

relative kena accident, tow to workshop.

front end accident, langgar benda, bukan kete lain.

first mistake, deal with those roadside tows instead of insu tow truck. but what's done is done.

relatively new car, <5 years x70. they tow to non-proton workshop. i thought should be tow to sc if quite <5 years.

now the workshop is saying the cost of repair is > the insured value. need to top up.

well ok but the amount need to top up is beyond my relative's financial means currently.

now they giving option, send to proton sc or repair with them. but if wanna retrieve your car, need to pay rm500. wowzers.

so my questions are:

1. since the amount to repair is > the insured, can't we go for total loss? the workshop seems not to be mentioning this option altogether.
2. do i deal with the insurance or the workshop now? not sure if just this workshop but insurance panels always seem kinda shady.

"if wanna retrieve your car, need to pay rm500. wowzers" this sound black shop, can report polis?
go to insurance panel workshop

yup, if really cost of repair is more than insured value, then total loss d
dont deal with workshop, let insurance handle them

my experience is, docs handed to workshop, authorize them claim insurance. then hands-off until completion. got anything they settle with insurance.
I paid RM0.

called hotline. say this is outside insurance, this kind of fees cannot claim dy, is between me and workshop.


yeah contemplating that. since they're already saying repair cost is > the insured, thinking should just let them proceed, then at the end claim total loss.

TS, ask your relative now call the insurance hotline number, tell them the situation and say you want to tow back to panel workshops. Pls arrange, give them the name and address.

If need be, just walk in insurance co for assistance. I suggest call hotline number first.

Anything else let the insurance deal with that workshop.

This post has been edited by jojolicia: Sep 29 2025, 05:02 PM

since i not the owner nor the langgarer, the hotline didnt gave me many options to do anything besides some q&a.

i'll try to convince the owner how they wanna proceed. but the agent told me the cost to retrieve the car is between us and the workshop, they're not liable.

so if i want to switch to proton or any other sc, we'll have to fork out rm500.

looks like workshop trying to con you..
1. if total repair cost > sum insured = total lost
2. if total repair cost > sum insured, goto SC lagi expensive and will definitely over sum insured.

now due to your car has been towed by another workshop, there's workshop union law that says if another workshop is to take over the repair, they had to pay some 'damage' fee to cover the towing cost, man-power, car-keeping cost, etc.. so unfortunately that cost needs to be paid but usually workshop will absorb it if they can cover the cost.. they want your business..

yeah, thats one of the things agent went through with me on the phone.

maybe they're just doing their job but their tonality overall is just giving me alot of heebies jeebies.

if im going for total loss anyways, and it's not like going for higher repair cost will actually give me that much money, cuz the insured amount is quite low anyways, maybe we can just proceed with this shady workshop.

Agent is not wrong.
If the panel workshop do not want to cover the first towing fee, you need to pay (negotiate). If the panel workshop wants to, he can, just a small know-how to them.

Get owner call hotline again, if you know a panel workshop in your locality, tell them. Your agent if resourceful also a winner to you here.

Which insurance company?

zurich.

TS, you mentioned the top up cost is above your relative's financial capability, is RM500 above his capability?

For me la, better to pay RM500 to tow the car to Proton SC and get it properly assessed rather than the outside repair shop hanky panky with the repair in the end lagi teruk.

BTW, is the outside worshop Zurich's panel? Sometimes get the car out first then maybe you can see what they might have done to the car (swapped parts, etc). You know Proton parts are hard to come by.

Maybe before towing the car to Proton SC, check if any hanky panky done to the car or not.

Also need to bear in mind, many reports of parts shortage until cars stuck in SC for months also not repaired, so your relative's really stuck between a rock and a hard place if don't want to claim total loss.

This post has been edited by AbbyCom: Sep 29 2025, 05:38 PM

Better decide fast if U wanna tow to Proton accident repair centre.

The current workshop can also charge daily storage fee if he is not getting the business.

It will be more than 500 when U want to collect the car.

This post has been edited by mini orchard: Sep 29 2025, 06:19 PM

5year old x70 should be worth around 45k now where your insurance also should be around that range.. langgar very bad ka? need till >45k?
if you're going for total-lost, its another door full of skeleton for you to open lol.. some workshops do not like todo total-lost as its 0 profit to them.. they will ask you to pay extra $ for them todo processing for you or ask you tow back to SC todo total-lost.. SC will also charge you a processing fee.. hundreds to few Ks

yeah, they having huge headaches.

welp fuck. i love mechanics and i know they need to make a living but sometimes they just feel like cutthroats man.

didnt know sc will also have charge. :0
but i think in this case should be able to claim the fees with insurance? hmmmmm.
thanks for the info!

total loss fee 1k i bayar b4

refer back insur cover note, sc wont charge a sen provided policy not under market value
u buy agree value or market. self apply online or ejen punya
still owe bank how much

do mention out workshop name. kasi red

This post has been edited by ktek: Sep 30 2025, 01:56 AM

i think market value sadding

apply online sebab cheap

the insu amount lower than the amount owing bank

very sad situation

how can this happen la.. redflag d... adui..

nope, you wont be able to claim back those processing charges..
its for ownership transfer etc.. unless u know how todo it yourselves..
only good thing if SC do it for you, its negotiable to free 'if you plan to purchase next car from the same provider'